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High Risk ACH Processing

What is an ACH Payment?

An ACH payment is a form of electronic payment that happens from one bank account to another. It is a transaction that transfers the funds over the Automated Clearing House (ACH) payment network. This is a vast network where banks can speak to one another. In fact, it is the backbone that network banks use to send and receive money to and from each other. When an ACH payment occurs, it is a direct transfer of funds using the routing and account number. The funds are withdrawn from one account and then deposited into the other account.

high risk ACH payments


Is an ACH Processing Account Right for My High Risk Business?

Having an ACH processing account set up for your high risk business is a great way to expand your business. It does allow your customers an additional payment option for your goods and services, and you can use it as your primary or secondary payment option. Some consumers prefer debit card and credit cards as their method of payment, yet some consumers prefer the ACH method. Having alternative payment options for your customers is always a great idea. Many businesses that are deemed to operate in high-risk industries will opt for a high-risk merchant account as well as an ACH account in order to process payments in a diverse manner. Our ACH solution is a no contract option so you can feel free to test it even if you’re not sure it will be the right payment processing tool for your business.


What is the Cost for ACH Processing?

Rates and fees will vary and typically it can differ depending on your business model. Some banks view certain businesses as high risk and others as low risk. You should expect to pay a monthly fee plus a percentage and transaction fee, very similar to how a traditional debit and credit card merchant account would work. ACH typically also has a lower percentage than a credit card transaction.  


Working With Experienced Professionals

Opening an ACH account is a simple and quick process. We will walk you through the steps and help you get your account established and ready to process in a timely manner.  You should look to use a company who has legitimate experience with ACH processing and can guide you through the process. Flow Payments is a leader in the high-risk ACH space and we have helped countless businesses diversify their methods of payments accepted.


Why Flow Payments?

Flow Payments offers ACH processing solutions for businesses in every industry and we understand what you and your customers are looking for from each other. Through our experience, we will ensure that your ACH set up and roll is seamless.

Our pricing and terms and conditions are very transparent with no hidden rates and fees. We are upfront about our fees and service, and we have created a simple, online application process for you. Once approved, you will be given a dedicated account representative assigned to assist you with any of your needs or questions. 


How Do I Get Started?

Getting an ACH account doesn’t have to be over complicated. In fact, the below is what’s generally required for your application. Once received and submitted, your approval is typically within 24-48 hours.

  • Driver’s License
  • Voided Check
  • Articles of Incorporation
  • Copy of EIN


Contact Flow Payments today for a free quote for high risk ACH processing. We strive to offer best in class solutions with low rates and exceptional service.


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